Hong Leong Bank Berhad

Balance SheetHONG LEONG BANK BERHAD (HLBANK)ExchangeBursa MalaysiaCountryMALAYSIAIndustryBanksMarket Cap26,807.50Scale1,000,000CUSIPY36503103Sedol6436892ISINMYL5819OO007Shares Outstanding1,879.91Annual Balance Sheet06/30/2014MYR06/30/2013MYR06/30/2012MYR06/30/2011MYR06/30/2010MYR06/30/2009MYR06/30/2008MYR06/30/2007MYR06/30/2006MYR06/30/2005MYRAssetsCash & Due From Banks17,863.44,905.34,565.64,043.01,129.91,099.81,731.01,568.41,756.41,336.5Investments - Total40,311.235,086.336,897.216,855.620,943.415,309.612,532.111,304.015,349.45,456.9Treasury Securities-8,845.64,971.98,180.55,740.52,055.61,042.8532.8815.92,094.3Federal Agency Securities----------State & Municipal Securities----------Trading Account Securities11,314.515,195.821,746.82,290.713,265.58,178.27,823.45,181.59,690.32,094.2Securities Purch Under Resale Agreements2,717.01,025.3590.50.1--972.73,495.34,496.8-Mortgage Backed Securities----------Federal Funds----------Other Securities25,593.89,142.58,632.65,594.2900.54,299.41,959.61,934.1213.91,268.4Other Investments685.9877.1955.4790.21,036.9776.3733.6160.4132.50.0Loans - Net106,620.9117,934.4111,160.7109,380.460,165.854,594.055,463.553,406.539,835.137,746.0Loans - Total108,208.9119,720.0113,584.1111,621.961,019.155,466.656,336.254,301.040,745.238,624.1Interbank Loans4,040.322,503.422,967.734,050.822,416.723,029.523,986.824,775.614,174.914,165.3Lease Financing-17,408.117,479.7-5,662.75,846.46,189.65,725.16,185.96,474.3Commercial & Industrial Loans23,407.0--17,373.6------Real Estate Mortgage Loans52,533.5--37,585.3------Foreign Loans----------Broker & Financial Institution Loans---1,151.0------Unspecified/Other Loans2,609.979,808.573,136.8-36,815.929,810.029,160.925,561.221,711.819,693.0Unearned Income----3,876.23,219.23,001.11,760.91,327.41,708.4(Less) Reserves For Loan Losses1,588.11,785.62,423.42,241.4853.3872.7872.7894.5910.1878.1Investment In Unconsolidated Subsidiaries2,153.41,832.91,617.21,401.01,248.21,045.30.00.00.00.0Customer Liability on Acceptances---10,353.66,390.86,214.55,919.74,156.82,974.02,540.5Real Estate Assets1.11.11.31.51.31.92.63.03.03.2Property, Plant & Equipment - Net725.6737.5727.1646.6332.8312.8290.3252.4252.0244.4Other Assets2,675.23,088.22,818.12,417.0744.0673.01,348.9567.7253.0252.5Total Assets170,350.8163,585.7157,787.3145,098.784,565.479,250.977,288.171,258.860,422.957,508.5LiabilitiesDeposits - Total130,334.5123,637.1123,095.6114,856.569,712.767,583.462,547.956,719.444,276.139,916.5Demand Deposits19,071.317,564.014,675.714,944.58,012.16,807.76,000.15,021.24,328.33,717.9Savings/Other Time Deposits100,244.2105,753.4108,024.599,505.661,445.660,133.756,332.451,487.039,703.536,052.5Foreign Office Deposits----------Unspecified Deposits11,019.1319.7395.5406.4255.0641.9215.4211.2244.3146.0Total Debt20,343.520,401.319,190.118,689.84,526.93,133.77,044.37,424.610,372.711,587.8ST Debt & Current Portion of LT Debt11,586.914,116.610,910.610,697.73,876.42,404.26,372.66,753.09,668.711,587.8Long Term Debt8,756.66,284.88,279.57,992.2650.5729.6671.8671.7704.00.0Non-Convertible Debt8,756.66,284.88,279.57,992.2650.5729.6671.8671.7704.00.0Convertible Debt0.00.00.00.00.00.00.00.00.00.0Capitalized Lease Obligations0.00.00.00.00.00.00.00.00.00.0Provision for Risks & Charges128.02.9127.63.13.13.23.43.43.43.6Deferred Income0.00.00.00.00.00.00.00.00.00.0Deferred Taxes133.8111.4110.2(325.9)(140.1)(153.6)(173.2)(165.0)--Deferred Taxes - Credit133.8111.4110.2-------Deferred Taxes - Debit---325.9140.1153.6173.2165.0173.3115.2Deferred Tax Liability In Untaxed Reserves----------Other Liabilities4,880.96,396.33,844.44,410.04,038.92,907.42,732.32,617.61,389.81,599.7Total Liabilities155,820.6150,549.1146,368.0137,633.578,141.473,474.172,154.866,600.156,042.053,107.6Shareholders' EquityNon-Equity Reserves0.00.00.00.00.00.00.00.00.00.0Minority Interest0.00.00.00.00.043.043.743.70.00.0Preferred Stock0.00.00.00.00.00.00.00.00.00.0Common Equity14,530.213,036.611,419.37,465.26,424.05,733.95,089.54,615.14,380.94,400.9Common Stock1,879.91,879.91,879.91,580.11,580.11,580.11,580.11,580.11,580.11,580.1Capital Surplus2,832.42,832.42,832.4539.7555.5539.7539.7539.7539.7539.7Revaluation Reserves0.00.00.00.00.00.00.00.00.00.0Other Appropriated Reserves-2,625.72,178.31,958.51,902.91,873.81,826.41,791.61,626.41,479.2Unappropriated (Free) Reserves-13.7--------Retained Earnings10,283.16,197.45,080.33,983.43,044.02,429.01,821.61,369.21,170.01,040.1Equity In Untaxed Reserves----------ESOP Guarantees0.00.00.00.00.00.00.00.00.00.0Unrealized Foreign Exchg Gain/ Loss(6.1)(13.8)(20.8)(26.8)12.337.135.539.135.436.2Unrealized Gain/Loss on Marketable Securities186.4163.1184.0102.217.1(26.7)(14.7)(9.5)(79.6)0.0(Less)Treasury Stock645.6661.8714.8671.7687.9699.1699.0695.1491.0274.4Total Shareholders Equity14,530.213,036.611,419.37,465.26,424.05,733.95,089.54,615.14,380.94,400.9Total Liabilities & Shareholders Equity170,350.8163,585.7157,787.3145,098.784,565.479,250.977,288.171,258.860,422.957,508.5Common Shares Outstanding1,798.81,879.91,750.81,514.31,561.11,561.11,561.11,561.81,579.41,591.9

Income StatementHONG LEONG BANK BERHAD (HLBANK)ExchangeBursa MalaysiaCountryMALAYSIAIndustryBanksMarket Cap26,807.50Scale1,000,000CUSIPY36503103Sedol6436892ISINMYL5819OO007Shares Outstanding1,879.91Annual Income Statement06/30/2014MYR06/30/2013MYR06/30/2012MYR06/30/2011MYR06/30/2010MYR06/30/2009MYR06/30/2008MYR06/30/2007MYR06/30/2006MYR06/30/2005MYRIncome StatementNet Interest Income2,728.92,571.52,624.81,670.41,403.81,360.01,388.81,174.81,018.7977.9Interest Income - Total5,716.45,587.25,464.03,278.82,574.02,937.73,073.72,869.82,393.12,140.2Interest & Fees on Loans4,125.54,001.93,933.62,122.41,642.31,811.11,800.11,595.81,372.81,368.3Interest Income on Federal Funds18.4---------Interest Income on Bank Deposits430.6391.1589.0529.9355.6671.0804.1790.2455.5343.6Interest Income on Government Securities575.7------66.8(3.1)146.5Other Interest or Dividend Income566.21,194.1941.4626.4576.1455.6469.5417.0568.0281.7Interest Expense - Total2,987.53,015.72,839.21,608.31,170.21,577.71,684.91,695.01,374.51,162.2Interest Expense on Bank Deposits2,621.02,560.22,452.51,434.81,101.11,459.91,507.21,340.81,021.2934.4Interest Expense on Fed Funds----------Interest Expense on Other Borrowed Funds9.2269.7111.478.934.081.1131.9302.0318.1225.6Interest Expense on Debt357.3185.8275.394.61,170.236.645.952.235.12.3Interest Capitalized0.0-------0.00.0Non-Interest Income - Total1,304.11,330.61,413.1744.3648.1673.0638.9580.5591.2489.3Investment Income----------Foreign Exchange Income132.2143.9163.3107.1106.5174.6111.272.562.435.1Gain(Loss) on Sale of Securities-Pretax75.2135.0127.8(12.2)31.118.423.90.94.354.1Non-Operating Interest Income----------Trading Account Income17.1-28.136.810.1(3.0)5.872.412.82.9Trusts & Fiduciary Income/Commissions & Fees594.8592.0596.5384.6300.8298.8326.8299.6287.2245.9Trust Income----------Commission & Fees594.8592.0596.5384.6300.8298.8326.8299.6287.2245.9Other Operating Income484.8459.7497.3228.0199.7184.3171.2135.2224.5151.2Non-Interest Expense - Total1,792.21,761.12,030.91,104.1823.8772.4768.2673.5535.8587.2Staff Costs948.3953.91,110.6601.9459.4435.7422.0363.7289.8291.6Equipment Expense280.00.085.448.643.750.450.746.941.240.5Depreciation & Depletion110.2205.1104.060.148.745.844.849.855.651.6Taxes Other Than Income Taxes----------Operating Provisions97.5(85.9)180.6(81.6)(78.6)(90.4)(66.3)(74.0)(71.2)12.6Other Operating Expense356.2688.1550.2475.0350.5330.9317.0287.1220.5191.0Provision For Loan Losses52.133.9111.2137.3203.3260.5237.9235.8320.3166.1Operating Income2,188.72,107.11,895.81,173.41,024.81,000.11,021.6846.1753.8713.9Extraordinary Credit - Pretax39.8-0.00.24.026.17.90.00.00.0Extraordinary Charge - Pretax--0.00.09.115.133.50.10.00.1Other Income/Expense Net6.118.8(5.4)28.122.621.714.010.610.58.4Pretax Equity In Earnings-0.0-0.00.00.00.00.00.00.0Reserves- Increase(Decrease)----------Pretax Income2,234.62,125.91,890.31,201.61,042.41,032.81,010.0856.6764.2722.2Income Taxes511.0536.7460.5276.9197.2227.6268.2237.1214.3202.4Current Domestic Income Tax500.0558.0307.7280.0198.4204.0275.0256.5239.8175.0Current Foreign Income Tax----------Deferred Domestic Income Tax10.9(21.3)152.8(3.2)(1.2)23.6(6.9)(19.4)(25.5)27.4Deferred Foreign Income Tax----------Income Tax Credit-0.00.00.00.00.00.00.00.00.0Minority Interest0.00.00.00.0(0.0)(0.7)0.0(1.3)0.00.0Equity in Earnings378.6267.1218.6210.2142.999.50.00.00.00.0After Tax Other Income/Expense0.0-(0.2)(0.1)(0.1)(0.1)0.0(0.0)(0.0)(0.0)Discontinued Operations0.00.00.00.00.0-----Net Income Before Extra Items/Preferred Div2,102.31,856.31,648.21,134.9988.0905.3741.8620.8549.9519.7Extr Items & Gain(Loss) Sale of Assets0.00.00.00.00.00.00.00.00.00.0Net Income Before Preferred Dividends2,102.31,856.31,648.21,134.9988.0905.3741.8620.8549.9519.7Preferred Dividend Require0.00.00.00.00.00.00.00.00.00.0Net Income to Common Shareholders2,102.31,856.31,648.21,134.9988.0905.3741.8620.8549.9519.7EPS Incl Extraordinary Items1.21.11.00.70.70.60.50.40.30.3EPS - Continuing Operations1.21.11.00.70.7-----Dividend Per Share0.40.30.30.20.20.20.20.20.20.2Common Shares Used to Calc Diluted EPS1,761,547,000.01,756,149,000.01,667,015,000.01,521,837,426.81,509,776,857.61,509,019,752.61,509,166,591.41,524,841,894.71,574,754,593.21,628,483,017.9

Cash Flow StatementHONG LEONG BANK BERHAD (HLBANK)ExchangeBursa MalaysiaCountryMALAYSIAIndustryBanksMarket Cap26,807.50Scale1,000,000CUSIPY36503103Sedol6436892ISINMYL5819OO007Shares Outstanding1,879.91Annual Cash Flow Statement06/30/2014MYR06/30/2013MYR06/30/2012MYR06/30/2011MYR06/30/2010MYR06/30/2009MYR06/30/2008MYR06/30/2007MYR06/30/2006MYR06/30/2005MYROperationsFunds From Operations1,547.21,477.11,865.3687.4556.1717.5876.5612.9698.9951.2Extraordinary Items-0.00.00.00.00.00.00.00.00.0Funds From/For Other Operating Activities5,622.01,674.0320.6(877.2)720.4915.2(1,096.7)697.4(294.0)1,564.7Net Cash Flow - Operating Activities7,169.23,151.12,185.9(189.8)1,276.51,632.8(220.2)1,310.2404.92,515.9InvestingCapital Expenditures (Additions to Fixed Assets)(105.8)(122.7)(151.1)(89.0)(81.6)(70.2)(96.1)(72.5)(66.2)(65.9)Additions To Other Assets(84.4)(22.7)(142.6)(33.5)(35.3)(9.6)(12.5)(17.1)0.00.0Net Assets From Acquisitions0.00.0-4,729.50.00.00.00.00.00.0Decrease In Loans-(1,362.6)849.62,789.60.0946.97,009.50.02,052.80.0Increase In Loans(7,462.4)(7,289.6)(8,307.1)(7,918.4)(5,246.8)(3,809.8)(3,231.2)(11,266.6)(3,404.7)(3,672.3)Inc(Dec) in Federal Home Loan Advances-0.0--0.00.00.00.0--Increase In Investments(6,878.2)(4,438.2)(16,190.2)(0.1)(1,938.1)(6,123.1)(4,733.2)(1,369.3)(4,620.9)(10,187.6)Decrease In Investments0.06,677.4779.35,135.316.72,805.82,522.64,738.85,431.71,186.0Disposal of Fixed Assets10.72.717.51.915.92.97.31.03.018.3Other Use/(Source) - Investing0.00.00.00.0(1.3)0.0(0.4)0.00.00.0Other Uses - Investing0.00.00.00.00.00.00.00.00.00.0Other Sources - Investing0.00.00.00.01.30.00.40.00.00.0Net Cash Flow - Investing(14,520.1)(6,555.8)(23,144.6)4,615.3(7,268.0)(6,257.0)1,466.8(7,985.6)(604.2)(12,721.5)FinancingNet Proceeds From Sale/Issue of Com & Pfd19.10.02,518.90.012.20.00.00.00.00.0Proceeds From Stock Options19.10.00.0-12.20.00.00.00.00.0Other Proceeds From Sale/Issuance of Stock0.00.02,518.90.00.00.00.00.00.00.0Long Term Borrowings900.00.02,364.56,300.60.00.00.0507.7685.50.0Increase In Deposits8,585.5541.48,239.13,153.32,129.35,035.45,828.612,443.34,359.62,082.0Decrease In Deposits(4,455.9)0.00.00.00.00.00.00.00.00.0Inc(Dec) In Short Term Borrowings-1,776.5(471.1)1,809.71,525.0(4,128.2)(543.1)(3,425.5)(1,919.1)6,536.7Cash Dividends Paid - Total(660.4)(552.6)(340.8)(261.5)(260.9)(260.8)(257.3)(256.4)(268.7)(271.8)Common Dividends (Cash)660.4552.6340.8261.5260.9260.8257.3256.4268.7271.8Preferred Dividends (Cash)0.00.00.00.00.00.00.00.00.00.0Reduction In Long Term Debt(410.0)0.0(2,300.0)(650.5)0.00.00.00.00.00.0Com/Pfd Purchased, Retired, Converted, Redeemed(0.0)(0.0)(0.0)(0.0)(0.0)(0.0)(3.9)(204.1)(215.4)(274.4)Other Source/(Use) - Financing0.053.232.117.90.00.00.045.00.00.0Other Sources - Financing0.053.232.117.90.00.00.045.00.00.0Other Uses - Financing0.00.00.00.00.00.00.00.00.00.0Net Cash Flow - Financing3,978.41,818.410,042.710,369.43,405.6646.45,024.29,110.02,641.98,072.5Effect Of Exchange Rate On Cash37.8(2.3)75.5(48.1)(75.7)56.93.9(29.8)(2.1)1.5Inc(Dec) In Cash And Short Term Investments(3,334.7)(1,588.6)(10,840.6)14,746.9(2,661.5)(3,921.1)6,274.82,404.92,440.4(2,131.6)

RatiosHONG LEONG BANK BERHAD (HLBANK)ExchangeBursa MalaysiaCountryMALAYSIAIndustryBanksMarket Cap26,807.50Scale1,000,000CUSIPY36503103Sedol6436892ISINMYL5819OO007Shares Outstanding1,879.91Annual Ratios06/30/2014MYR06/30/2013MYR06/30/2012MYR06/30/2011MYR06/30/2010MYR06/30/2009MYR06/30/2008MYR06/30/2007MYR06/30/2006MYR06/30/2005MYRValuation MeasuresMarket Cap24,823.526,130.721,780.119,456.112,861.58,544.48,769.39,523.07,734.57,948.5Net Sales or Revenues7,020.46,917.86,877.14,023.03,222.13,610.73,712.63,450.42,984.42,629.5Total Debt20,343.520,401.319,190.118,689.84,526.93,133.77,044.37,424.610,372.711,587.8Net Assets170,350.8163,585.7157,787.3145,098.784,565.479,250.977,288.171,258.860,422.957,508.5Enterprise Value27,303.641,626.836,404.634,102.916,258.510,621.314,126.315,423.016,350.818,199.8EBITDA2,702.12,516.82,269.61,356.42,261.31,115.21,100.7958.7854.9776.1EBIT2,591.92,311.72,165.61,296.32,212.61,069.41,055.9908.8799.3724.5Capital Expenditure105.8122.7151.189.081.670.296.172.566.265.9ValuationPrice/Earnings11.613.112.517.112.69.111.415.014.015.7Price/Sales3.53.83.24.84.02.42.42.82.63.0Price/Cash Flow17.216.511.128.322.411.59.715.211.08.5Price/Book Value1.72.01.92.62.01.51.72.11.81.8Price/Tangible BV2.02.42.43.22.01.51.72.11.81.8Liquidity LeverageLong Term Debt / Equity60.348.272.5107.110.112.713.214.616.10.0Total Debt / Equity140.0156.5168.0250.470.554.7138.4160.9236.8263.3Long Term Debt / Total Capital37.632.542.051.79.211.211.612.613.80.0Total Debt / Total Capital58.361.062.771.541.335.257.861.470.372.5Total Loans / Deposits63.573.272.082.872.2-78.980.970.9-Total Loans /Total Capital4.66.25.87.28.68.59.710.28.08.8Reserves / Total Loans152.45%183.67%267.43%288.95%221.06%269.03%269.79%302.96%342.51%359.02%Reserves / Total Capital6.82%9.24%12.30%14.50%12.06%13.41%15.03%16.78%17.90%19.95%Cash & Securities / Total Deposits4,463.49%3,234.59%3,368.35%1,819.55%3,166.33%2,428.03%2,280.34%2,269.49%3,863.45%1,701.90%Profitability RatiosNet Interest Margin----------Net Interest Margin - 5 Yr Average0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%Non-Interest Income / Revenues18.58%19.23%20.55%18.50%20.12%18.64%17.21%16.82%19.81%18.61%Non-interest Income / Revenues 5 Yr Average19.39%19.41%19.00%18.26%18.52%18.22%17.24%16.38%16.15%14.62%Operating Margin31.18%30.46%27.57%29.17%31.81%27.70%27.52%24.52%25.26%27.15%Operating Margin - 5 Yr Average30.03%29.34%28.75%28.14%27.36%26.43%25.23%26.08%26.43%26.09%Pre-tax Margin31.83%30.73%27.49%29.87%32.35%28.60%27.21%24.83%25.61%27.46%Pre-tax Margin - 5 Yr Average30.45%29.81%29.10%28.57%27.72%26.74%25.41%26.37%26.67%26.20%Net Margin29.94%26.83%23.97%28.21%30.66%25.07%19.98%17.99%18.43%19.77%Net Margin - 5 Yr Average27.92%26.95%25.58%24.38%22.43%20.25%18.41%19.04%19.20%18.55%Efficiency RatiosSales Per Employee--------0.60.5Operating Profit Per Employee--------0.10.1Net Income Per Employee--------0.10.1Assets Per Employee--------10.7-Total Loans / Assets63.573.272.082.872.2-78.980.970.9-Earning Assets / Assets86.393.593.893.795.995.795.396.496.1-Management EffectivenessReturn on Equity15.25%15.01%17.46%16.34%16.25%16.73%15.29%13.80%12.52%11.78%Return on Equity - 5 Yr Average16.06%16.36%16.41%15.68%14.92%14.02%12.51%12.64%13.07%13.76%Return On Assets1.42%-1.27%1.10%2.46%1.29%1.12%1.05%--Return On Assets - 5 Yr Average--1.45%1.41%------Return On Invested Capital6.96%6.20%6.54%6.51%19.50%8.86%6.39%4.91%3.74%4.10%Return On Invested Capital - 5 Yr Average9.14%9.52%9.56%9.23%8.68%5.60%4.84%5.48%6.10%6.88%Dividend RatiosDividend Per Share0.40.30.30.20.20.20.20.20.20.2Dividend Yield2.97%2.43%2.29%1.38%2.05%3.10%3.02%2.76%3.39%3.32%Dividend Payout Ratio34.35%31.90%28.73%23.64%25.82%28.27%34.51%41.32%47.47%52.05%Growth RatesSales1.48%3.00%70.94%24.86%(10.76%)(2.75%)7.60%15.61%13.50%9.20%Sales - 5 Yr14.22%13.25%14.79%6.16%4.15%8.44%8.16%5.18%2.85%7.34%Operating Income3.87%4.48%61.56%14.50%2.47%(2.10%)20.75%12.24%5.58%36.54%Operating Income - 5 Yr16.96%15.58%17.51%9.26%7.50%13.85%5.10%3.74%4.32%9.12%Net Income13.25%6.46%45.22%14.87%9.13%22.04%19.50%12.89%5.81%36.07%Net Income - 5 Yr18.35%20.13%21.57%15.59%13.71%18.84%5.01%4.30%6.88%9.00%EPS12.82%0.76%32.28%14.52%9.12%22.07%20.75%16.48%9.64%35.51%EPS - 5 Yr14.74%16.56%19.50%16.50%15.49%20.60%4.80%3.79%5.31%2.57%Loans(9.61%)-1.76%82.93%10.01%(1.54%)3.75%31.72%5.49%(0.64%)Loans - 5 Yr14.30%16.27%15.90%22.33%9.58%7.37%12.06%8.34%4.77%9.48%Stock PerformancePrice Close13.813.912.412.88.25.55.66.14.95.0% Change(0.72%)11.74%(3.18%)55.94%50.53%(2.56%)(7.87%)24.51%(1.92%)7.44%Total Return2.23%14.45%(0.96%)58.10%53.62%0.46%(5.09%)27.95%1.40%11.01%

SummaryHONG LEONG BANK BERHAD (HLBANK)ExchangeBursa MalaysiaCountryMALAYSIAIndustryBanksMarket Cap26,807.50Scale1,000,000CUSIPY36503103Sedol6436892ISINMYL5819OO007Shares Outstanding1,879.91Annual Key Financial Items06/30/2014MYR06/30/2013MYR06/30/2012MYR06/30/2011MYR06/30/2010MYR06/30/2009MYR06/30/2008MYR06/30/2007MYR06/30/2006MYR06/30/2005MYRIncome Statement Key ItemsInterest Income5,716.45,587.25,464.03,278.82,574.02,937.73,073.72,869.82,393.12,140.2% of Total Revenue81.42%80.77%79.45%81.50%79.88%81.36%82.79%83.18%80.19%81.39%Interest Expense2,987.53,015.72,839.21,608.31,170.21,577.71,684.91,695.01,374.51,162.2% of Total Revenue42.55%43.59%41.29%39.98%36.32%43.69%45.38%49.13%46.06%44.20%Net Interest Income2,728.92,571.52,624.81,670.41,403.81,360.01,388.81,174.81,018.7977.9% of Total Revenue38.87%37.17%38.17%41.52%43.57%37.67%37.41%34.05%34.13%37.19%Non Interest Income1,304.11,330.61,413.1744.3648.1673.0638.9580.5591.2489.3% of Total Revenue18.58%19.23%20.55%18.50%20.12%18.64%17.21%16.82%19.81%18.61%Pretax Income2,234.62,125.91,890.31,201.61,042.41,032.81,010.0856.6764.2722.2Pretax Margin31.83%30.73%27.49%29.87%32.35%28.60%27.21%24.83%25.61%27.46%Net Income to Common Shareholders2,102.31,856.31,648.21,134.9988.0905.3741.8620.8549.9519.7Net Margin29.94%26.83%23.97%28.21%30.66%25.07%19.98%17.99%18.43%19.77%EPS - Continuing Operations1.21.11.00.70.7-----Growth12.82%6.65%32.28%14.52%------Dividend Per Share0.40.30.30.20.20.20.20.20.20.2Balance Sheet Key ItemsTotal Assets170,350.8163,585.7157,787.3145,098.784,565.479,250.977,288.171,258.860,422.957,508.5Cash & Due From Banks17,863.44,905.34,565.64,043.01,129.91,099.81,731.01,568.41,756.41,336.5% of Assets10.49%3.00%2.89%2.79%1.34%1.39%2.24%2.20%2.91%2.32%Investments - Total40,311.235,086.336,897.216,855.620,943.415,309.612,532.111,304.015,349.45,456.9% of Assets23.66%21.45%23.38%11.62%24.77%19.32%16.21%15.86%25.40%9.49%Loans - Net106,620.9117,934.4111,160.7109,380.460,165.854,594.055,463.553,406.539,835.137,746.0% of Assets62.59%72.09%70.45%75.38%71.15%68.89%71.76%74.95%65.93%65.64%Property Plant & Equipment - Net725.6737.5727.1646.6332.8312.8290.3252.4252.0244.4% of Assets0.43%0.45%0.46%0.45%0.39%0.39%0.38%0.35%0.42%0.42%Other Assets2,675.23,088.22,818.12,417.0744.0673.01,348.9567.7253.0252.5% of Assets1.57%1.89%1.79%1.67%0.88%0.85%1.75%0.80%0.42%0.44%Deposits130,334.5123,637.1123,095.6114,856.569,712.767,583.462,547.956,719.444,276.139,916.5% of Assets76.51%75.58%78.01%79.16%82.44%85.28%80.93%79.60%73.28%69.41%ST Debt & Current Portion of LT Debt11,586.914,116.610,910.610,697.73,876.42,404.26,372.66,753.09,668.711,587.8% of Assets6.80%8.63%6.91%7.37%4.58%3.03%8.25%9.48%16.00%20.15%Long Term Debt8,756.66,284.88,279.57,992.2650.5729.6671.8671.7704.00.0% of Assets5.14%3.84%5.25%5.51%0.77%0.92%0.87%0.94%1.17%0.00%Other Liabilities4,880.96,396.33,844.44,410.04,038.92,907.42,732.32,617.61,389.81,599.7% of Assets2.87%3.91%2.44%3.04%4.78%3.67%3.54%3.67%2.30%2.78%Total Liabilities155,820.6150,549.1146,368.0137,633.578,141.473,474.172,154.866,600.156,042.053,107.6% of Assets91.47%92.03%92.76%94.86%92.40%92.71%93.36%93.46%92.75%92.35%Total Shareholders Equity14,530.213,036.611,419.37,465.26,424.05,733.95,089.54,615.14,380.94,400.9% of Assets8.53%7.97%7.24%5.14%7.60%7.24%6.59%6.48%7.25%7.65%Total Liabilities & Shareholders Equity170,350.8163,585.7157,787.3145,098.784,565.479,250.977,288.171,258.860,422.957,508.5Common Shares Outstanding1,798.81,879.91,750.81,514.31,561.11,561.11,561.11,561.81,579.41,591.9Cash Flow Statement Key ItemsNet Income / Starting Line----------Funds From Operations1,547.21,477.11,865.3687.4556.1717.5876.5612.9698.9951.2Net Cash Flow - Operating Activities7,169.23,151.12,185.9(189.8)1,276.51,632.8(220.2)1,310.2404.92,515.9Capital Expenditures (Addition to Fixed Assets)105.8122.7151.189.081.670.296.172.566.265.9Increase In Investments6,878.24,438.216,190.20.11,938.16,123.14,733.21,369.34,620.910,187.6Decrease In Investments0.06,677.4779.35,135.316.72,805.82,522.64,738.85,431.71,186.0Net Cash Flow - Investing14,520.16,555.823,144.6(4,615.3)7,268.06,257.0(1,466.8)7,985.6604.212,721.5Net Proceeds From Sale/Issue of Com & Pref19.10.02,518.90.012.20.00.00.00.00.0Com/Pfd Purchased0.00.00.00.00.00.03.9204.1215.4274.4Long Term Borrowings900.00.02,364.56,300.60.00.00.0507.7685.50.0Reduction In Long Term Debt410.00.02,300.0650.50.00.00.00.00.00.0Cash Dividends Paid - Total660.4552.6340.8261.5260.9260.8257.3256.4268.7271.8Net Cash Flow - Financing3,978.41,818.410,042.710,369.43,405.6646.45,024.29,110.02,641.98,072.5